Fintech
Compare the best fintech options for freelancers and SMEs.
How to choose a digital financial solution
Comparison guide · 07/10/2026Fintech solutions include digital accounts, foreign exchange payments, equipment cards and cost control. Compare the specific service: a payment institution, a bank and a cost tool can offer different protections and functionalities.
Para quién: Self-employed and companies that operate online, charge in other currencies or need to control equipment costs. Confirms accepted countries and legal forms.
Conceptos, requisitos, costes y fuentes
Qué revisar antes de contratar
- Country of residence or constitution, activity and legal form accepted.
- Real holder, company documentation and identity verification.
- IBAN, homes, users, accounting export and necessary integration.
Costes que debes comparar
- Monthly or annual subscription; limits included and price when exceeding the plan.
- Currency exchange, international transfers, cards and cash withdrawals.
- Configuration, additional cards, fees and cancellation of the subscription.
- Bank and payment institution
- The licence determines the protection services and mechanisms; check it in the supplier's documents.
- Safeguard
- Payment fund protection mechanism; it should not be confused with a deposit guarantee fund.
- Multicurrency
- It allows to operate in several currencies; it compares conversion and costs for each operation.
- Equipment cards
- They facilitate the allocation of limits and the recording of costs; their scope depends on the plan.
Ten en cuenta
- A free basic plan can have payment operations or services.
- Not all self-employed accounts allow corporate ownership.
Quick answer
Banking savings, mortgages, loans and fintech. On Simplifico you can compare 18 products from 10 brands in Fintech, such as Finom, N26 and Revolut. 17 listings include the Simplifico Opinion: who it suits and its limitations. Each listing summarises features and pricing and links to the provider's website, which sets the final terms.
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